MX2010001383A - Metodos y sistemas para procesamiento de una transaccion financiera. - Google Patents

Metodos y sistemas para procesamiento de una transaccion financiera.

Info

Publication number
MX2010001383A
MX2010001383A MX2010001383A MX2010001383A MX2010001383A MX 2010001383 A MX2010001383 A MX 2010001383A MX 2010001383 A MX2010001383 A MX 2010001383A MX 2010001383 A MX2010001383 A MX 2010001383A MX 2010001383 A MX2010001383 A MX 2010001383A
Authority
MX
Mexico
Prior art keywords
payment
exception
consumer
biller
electronic bill
Prior art date
Application number
MX2010001383A
Other languages
English (en)
Inventor
Mary L Kelly
Terry Altman
Original Assignee
Mastercard International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mastercard International Inc filed Critical Mastercard International Inc
Publication of MX2010001383A publication Critical patent/MX2010001383A/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Se proporciona un método para procesar una transacción financiera tal como un pago de cuenta electrónico. El método incluye el recibir un pago electrónico de factura en donde el pago de factura es sometido a nombre del consumidor en respuesta a una factura asociada con un facturador, determinando el uso de un sistema de computadora que el pago de factura electrónico recibido es un pago de excepción en donde el pago de excepción incluye el pago de factura electrónico sometido por el consumidor teniendo la información metida por el consumidor no coincidiendo con un criterio para aceptar el pago electrónico requerido por el facturador, creando un registro de adenda de excepción para el pago de excepción usando los datos almacenados dentro de una base de datos en donde el registro de adenda identifica al consumidor que somete el pago de excepción y enviar el pago de excepción a una cuenta de consumidor apropiada para el facturador con base en el registro de adenda.
MX2010001383A 2007-08-03 2008-08-01 Metodos y sistemas para procesamiento de una transaccion financiera. MX2010001383A (es)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US95384707P 2007-08-03 2007-08-03
US12/182,883 US8027890B2 (en) 2007-08-03 2008-07-30 Methods and systems for processing a financial transaction
PCT/US2008/071924 WO2009020857A1 (en) 2007-08-03 2008-08-01 Methods and systems for processing a financial transaction

Publications (1)

Publication Number Publication Date
MX2010001383A true MX2010001383A (es) 2010-03-01

Family

ID=40339011

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2010001383A MX2010001383A (es) 2007-08-03 2008-08-01 Metodos y sistemas para procesamiento de una transaccion financiera.

Country Status (4)

Country Link
US (2) US8027890B2 (es)
CA (1) CA2695547C (es)
MX (1) MX2010001383A (es)
WO (1) WO2009020857A1 (es)

Families Citing this family (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8417617B1 (en) * 2001-04-27 2013-04-09 Charles Schwab & Co. Method and system for obtaining the best fill for an order using automated suborders
US8285592B2 (en) * 2009-12-15 2012-10-09 Mastercard International Incorporated Methods and systems for providing enhanced data for co-brand payment card transactions
CN102255735B (zh) * 2011-07-05 2013-09-04 青岛海信传媒网络技术有限公司 一种订单的处理方法及装置
US8630953B1 (en) 2012-09-14 2014-01-14 Mastercard International Incorporated Methods and systems for creating a transaction lifecycle for a payment card transaction
US20140136405A1 (en) * 2012-11-15 2014-05-15 Mastercard International Incorporated Systems and methods for processing of person-to-person electronic payments
US20140330708A1 (en) * 2013-05-02 2014-11-06 Bank Of America Corporation Paper check processing in connection with bill pay requests
US20140337188A1 (en) * 2013-05-09 2014-11-13 Invoice Cloud Incorporated Electronic invoicing and payment
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US20160232545A1 (en) * 2015-02-10 2016-08-11 Mastercard International Incorporated System and method for detecting changes of employment
US10796348B2 (en) * 2016-04-22 2020-10-06 International Business Machines Corporation Data resiliency of billing information
US20200074541A1 (en) 2018-09-05 2020-03-05 Consumerinfo.Com, Inc. Generation of data structures based on categories of matched data items
CN110599265B (zh) * 2019-05-05 2021-05-14 腾讯科技（深圳）有限公司 电子票据处理方法、装置、计算机设备及计算机存储介质
US12014365B2 (en) 2020-10-30 2024-06-18 National Automated Clearing House Association System and method for business payment information directory services

Family Cites Families (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5870724A (en) * 1989-12-08 1999-02-09 Online Resources & Communications Corporation Targeting advertising in a home retail banking delivery service
US6289322B1 (en) * 1998-03-03 2001-09-11 Checkfree Corporation Electronic bill processing
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
US7117171B1 (en) * 1992-10-15 2006-10-03 Autoscribe Corporation System and method for making a payment from a financial account
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5878215A (en) * 1994-05-23 1999-03-02 Mastercard International Incorporated System and method for processing multiple electronic transaction requests
US6996542B1 (en) * 1994-06-03 2006-02-07 Midwest Payment Systems System and method for paying bills and other obligations including selective payor and payee controls
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US7225155B1 (en) * 1997-09-30 2007-05-29 Acs State & Local Solutions, Inc. Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange
US5978780A (en) * 1997-11-21 1999-11-02 Craig Michael Watson Integrated bill consolidation, payment aggregation, and settlement system
US5943656A (en) * 1997-12-03 1999-08-24 Avista Advantage, Inc. Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems
EP1049056A3 (en) 1999-04-26 2001-06-13 CheckFree Corporation Electronic bill presentment and/or payment clearinghouse
US7200551B1 (en) * 2000-02-28 2007-04-03 Telpay, Inc. Automated bill payment system
US7146338B2 (en) * 2001-06-28 2006-12-05 Checkfree Services Corporation Inter-network financial service
US6892298B2 (en) * 2000-07-26 2005-05-10 Times N Systems, Inc. Load/store micropacket handling system
CA2319919A1 (en) * 2000-09-15 2002-03-15 Twin Lion Systems Inc. On-line payment system
US7240028B1 (en) * 2002-03-15 2007-07-03 Microsoft Corporation Automated financial register reconciliation in a combined user interface
US6932268B1 (en) * 2003-06-30 2005-08-23 Checkfree Corporation Dual mode credit card based payment technique
US20050137972A1 (en) * 2003-12-18 2005-06-23 Krumlauf Bruce E. Methods and systems for the processing of credit payment data
US20060095367A1 (en) * 2004-09-23 2006-05-04 Jorn Iverson System and method of supply chain procurement, settlement and finance
US8050991B2 (en) * 2005-04-05 2011-11-01 DXStorm. com Inc. Electronic balance checking and credit approval system for use in conducting electronic transactions
US20090263004A1 (en) * 2006-01-30 2009-10-22 Kari Hawkins Prioritized exception processing system and method with in a check processing system and method

Also Published As

Publication number Publication date
CA2695547A1 (en) 2009-02-12
WO2009020857A1 (en) 2009-02-12
CA2695547C (en) 2017-06-13
US20110302082A1 (en) 2011-12-08
US20090037303A1 (en) 2009-02-05
US8027890B2 (en) 2011-09-27
US8484131B2 (en) 2013-07-09

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